<p>全球市场在数字资产方面的态度存在巨大分歧。虽然一些市场正在开启新机遇，但另一些市场则在收紧旧有的限制。</p>
<p>而这对普通用户以及行业的下一个阶段意味着什么，正开始逐渐明朗。</p>
<p>韩国正在迅速加强对加密行业的监管，原因显而易见。</p>
<p>最近的 Upbit 安全漏洞事件中，超过 1040 亿个基于 Solana 的代币在不到一个小时内被转移出交易所。对此，监管机构正在考虑 “银行级” 无过错责任规则，这将要求交易所对用户的损失进行赔偿——即使平台并非直接责任方。</p>
<p>到目前为止，只有银行和持牌支付公司在这一标准下运营。</p>
<p>关于此事，金融监督院院长李灿镇表示，</p>
<blockquote>
<p>“黑客攻击是我们无法忽视的。然而，监管监督在施加处罚方面显然有其局限性……”</p>
</blockquote>
<p>这一推动是在全国主要平台出现频繁故障和对延迟事件报告的担忧之后提出的。随着立法者也在要求推进专门的稳定币法案，韩国的加密领域有很多值得关注的动态。</p>
<h2><strong>与此同时，欧洲的银行在加速推进</strong></h2>
<p>BPCE 的推出清楚地表明传统金融（TradFi）正在迅速适应。</p>
<p>通过让 200 万客户直接通过其地区应用访问比特币 [BTC]、以太坊 [ETH]、Solana [SOL] 和美元硬币 [USDC]，该集团似乎在为一个加密服务被视为理所当然的世界做准备。</p>
<p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/Screenshot-2025-12-07-165706.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="742" height="517" original-src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/Screenshot-2025-12-07-165706.jpg"/></p>
<p>来源：X</p>
<p>这看起来是一个简单的设置，账户费用低且透明。Hexarq 负责保管。</p>
<p>但更大的变化超越了一家银行。西班牙的 BBVA 和桑坦德已经为零售用户开放了全面的交易和保管服务，而金融科技公司则继续吸引数百万用户进入其生态系统。</p>
<p>随着竞争加剧，欧洲的银行正在快速创新，以免将整整一代客户拱手让给更灵活的竞争者。</p>
<p>AMBCrypto 此前报道，波兰现在已阻止其自己的加密监管法案，进一步加大了与欧洲 MiCA 推进的分歧。这项停滞的立法使波兰与欧盟的进展不同步，尽管意大利等其他国家正在加大对投资者保护的力度。</p>
<hr/>
<h2>最后思考</h2>
<ul>
<li><em>全球加密监管正在迅速分化，亚洲在收紧控制，而欧洲则在加速推进。</em></li>
<li><em>随着波兰的停滞和 BPCE 等银行吸纳数百万用户，加密的下一个阶段已经到来。</em></li>
</ul>

<p>全球加密货币监管正在出现分化，亚洲加强控制，而欧洲则扩大准入。韩国在安全漏洞后实施更严格的规则，而像 BPCE 这样的欧洲银行则为数百万客户整合加密服务。波兰的立法停滞与欧盟的进展形成对比。加密货币的下一个阶段标志着地区监管差异</p>

<p>There is a huge divergence in how global markets are approaching digital assets right now. While some are opening new doors, others are tightening old ones.</p>
<div class="lb-trans"><p>全球市场在数字资产方面的态度存在巨大分歧。虽然一些市场正在开启新机遇，但另一些市场则在收紧旧有的限制。</p>
</div><p>And now, what that means for everyday users, and for the industry’s next phase, is starting to come into focus.</p>
<div class="lb-trans"><p>而这对普通用户以及行业的下一个阶段意味着什么，正开始逐渐明朗。</p>
</div><p>South Korea is moving quickly to tighten its grip on the crypto industry, and it’s clear why.</p>
<div class="lb-trans"><p>韩国正在迅速加强对加密行业的监管，原因显而易见。</p>
</div><p>The recent Upbit breach saw over 104 billion Solana-based tokens moved out of the exchange in less than an hour. In response, regulators are now considering “bank-level” no-fault liability rules that would require exchanges to compensate users for losses – even when the platform isn’t directly to blame.</p>
<div class="lb-trans"><p>最近的 Upbit 安全漏洞事件中，超过 1040 亿个基于 Solana 的代币在不到一个小时内被转移出交易所。对此，监管机构正在考虑 “银行级” 无过错责任规则，这将要求交易所对用户的损失进行赔偿——即使平台并非直接责任方。</p>
</div><p>Until now, only banks and licensed payment firms operated under this standard.</p>
<div class="lb-trans"><p>到目前为止，只有银行和持牌支付公司在这一标准下运营。</p>
</div><p>About the issue, FSS Governor Lee Chan-jin said,</p>
<div class="lb-trans"><p>关于此事，金融监督院院长李灿镇表示，</p>
</div><blockquote>
<p>“The hacking is not something we can overlook. However, regulatory oversight clearly has limits in imposing penalties…”</p>
</blockquote>
<div class="lb-trans"><blockquote>
<p>“黑客攻击是我们无法忽视的。然而，监管监督在施加处罚方面显然有其局限性……”</p>
</blockquote>
</div><p>The push came after a troubling pattern of outages across the country’s major platforms and concerns over delayed incident reporting. With lawmakers also demanding progress on a dedicated stablecoin bill, there’s a lot to keep an eye out for in the country’s crypto space.</p>
<div class="lb-trans"><p>这一推动是在全国主要平台出现频繁故障和对延迟事件报告的担忧之后提出的。随着立法者也在要求推进专门的稳定币法案，韩国的加密领域有很多值得关注的动态。</p>
</div><h2><strong>Meanwhile, Europe’s banks push ahead</strong></h2>
<div class="lb-trans"><h2><strong>与此同时，欧洲的银行在加速推进</strong></h2>
</div><p>BPCE’s rollout makes it evident how quickly traditional finance (TradFi) is adapting.</p>
<div class="lb-trans"><p>BPCE 的推出清楚地表明传统金融（TradFi）正在迅速适应。</p>
</div><p>By giving two million customers access to Bitcoin [BTC], Ethereum [ETH], Solana [SOL] and USD Coin [USDC] directly through its regional apps, the group seems to be preparing for a world where crypto services are innately expected.</p>
<div class="lb-trans"><p>通过让 200 万客户直接通过其地区应用访问比特币 [BTC]、以太坊 [ETH]、Solana [SOL] 和美元硬币 [USDC]，该集团似乎在为一个加密服务被视为理所当然的世界做准备。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/Screenshot-2025-12-07-165706.jpg" alt="" original-src="https://ambcrypto.com/wp-content/uploads/2025/12/Screenshot-2025-12-07-165706.jpg"/></p>
<p>Source: X</p>
<div class="lb-trans"><p>来源：X</p>
</div><p>It looks to be a straightforward setup with a cheap account and clear fees. Hexarq handles custody.</p>
<div class="lb-trans"><p>这看起来是一个简单的设置，账户费用低且透明。Hexarq 负责保管。</p>
</div><p>But the bigger change goes beyond one bank. Spain’s BBVA and Santander have already opened full trading and custody for retail users, while Fintech players continue to pull millions into their ecosystems.</p>
<div class="lb-trans"><p>但更大的变化超越了一家银行。西班牙的 BBVA 和桑坦德已经为零售用户开放了全面的交易和保管服务，而金融科技公司则继续吸引数百万用户进入其生态系统。</p>
</div><p>With competition rising, Europe’s banks are innovating fast to not lose an entire generation of customers to more agile players.</p>
<div class="lb-trans"><p>随着竞争加剧，欧洲的银行正在快速创新，以免将整整一代客户拱手让给更灵活的竞争者。</p>
</div><p>AMBCrypto previously reported that Poland has now blocked its own crypto oversight bill, widening its split from Europe’s MiCA rollout. The stalled legislation leaves Poland out of sync with EU progress, even as other countries like Italy push deeper into investor safeguards.</p>
<div class="lb-trans"><p>AMBCrypto 此前报道，波兰现在已阻止其自己的加密监管法案，进一步加大了与欧洲 MiCA 推进的分歧。这项停滞的立法使波兰与欧盟的进展不同步，尽管意大利等其他国家正在加大对投资者保护的力度。</p>
</div><hr/>
<div class="lb-trans"><hr/>
</div><h2>Final Thoughts</h2>
<div class="lb-trans"><h2>最后思考</h2>
</div><ul>
<li><em>Global crypto regulation is splitting fast, with Asia tightening control while Europe speeds up.</em></li>
<li><em>With Poland stalling and banks like BPCE onboarding millions, the next phase of crypto is here.</em></li>
</ul>
<div class="lb-trans"><ul>
<li><em>全球加密监管正在迅速分化，亚洲在收紧控制，而欧洲则在加速推进。</em></li>
<li><em>随着波兰的停滞和 BPCE 等银行吸纳数百万用户，加密的下一个阶段已经到来。</em></li>
</ul>
</div>

欧洲敞开大门，亚洲筑起壁垒——这将如何影响加密货币的未来